Digital Accounts

Resident Pakistani Nationals are eligible to open the Digital Account.

Customer must provide valid Computerized / Smart National Identity Card, source of income or furnish other document citing source of funds.

You must complete the biometric verification process as soon as your account has been opened. You can do this via the AL Habib Biometric Verification app or by visiting the nearest Bank AL Habib branch.

Individual Resident Pakistanis may open their account through this portal.

CNIC / SNIC and Self-Declaration regarding income and profession is a mandatory document to be furnished for Account Opening.

Customers with a Rupee account may apply for a Debit Card.

You can complete the account opening process from the comfort of your home. Even biometric verification can be completed via the AL Habib Biometric Verification app. However, if you wish to visit the branch, you may do so.

Yes, you may resume the application process through “Resume Application”. After this, you will be required to input your reference number, Email Address and Mobile OTAC Verification code.

You may call us at our dedicated helpline – (92 21) 111- 014 – 014 or email us at info-CDOB@bankalhabib.com

There is no minimum balance or initial deposit requirement on the aforementioned accounts. 

Yes, you may obtain financing against 90% deposits subject to Terms and Conditions

A customer cannot maintain any other account with the Bank if they have an Asaan Digital Account.

Yes you may modify your account details through the “Account Maintenance” option.

You may request a Statement of Account hardcopy specifically from Call Center.

Our team will let you know within two days if the Account Opening application is accepted or declined. In case of potential decline, your case shall be referred back by the Centralized Operations Digital Desk.

Video based KYC is mandatory for all Politically Exposed Persons` Account applications.

You may receive a video call link via email from Bank AL Habib for further details/verification in accordance with the regulations of the State Bank of Pakistan. Bank AL Habib will never call from (+92 21) 111-014-014 or any other number asking for your personal information, internet/mobile banking User ID, Password, Debit/Credit Card number, PIN, OTP or CVV.

Yes, a customer must accept Terms & Conditions before proceeding further with the application.

Yes, you may review the key fact sheet for Conventional & Islamic banking products by clicking here.

Resident Pakistani Nationals are eligible to open the Digital Account.

Customer must provide valid Computerized / Smart National Identity Card, source of income or furnish other document citing source of funds.

You must complete the biometric verification process as soon as your account has been opened. You can do this via the AL Habib Biometric Verification app or by visiting the nearest Bank AL Habib branch.

Individual Resident Pakistanis may open their account through this portal.

CNIC / SNIC and Self-Declaration regarding income and profession is a mandatory document to be furnished for Account Opening.

You can complete the account opening process from the comfort of your home. Even biometric verification can be completed via the AL Habib Biometric Verification app. However, if you wish to visit the branch, you may do so.

Yes, you may resume the application process through “Resume Application”. After this, you will be required to input your reference number, Email Address and Mobile OTAC Verification code.

You may call us at our dedicated helpline – (92 21) 111- 014 – 014 or email us at info-CDOB@bankalhabib.com

There is no minimum balance or initial deposit requirement on the aforementioned accounts. 

Yes, you may obtain financing against 90% deposits subject to Terms and Conditions

A customer cannot maintain any other account with the Bank if they have an Asaan Digital Account.

Yes you may modify your account details through the “Account Maintenance” option.

You may request a Statement of Account hardcopy specifically from Call Center.

Our team will let you know within two days if the Account Opening application is accepted or declined. In case of potential decline, your case shall be referred back by the Centralized Operations Digital Desk.

Video based KYC is mandatory for all Politically Exposed Persons` Account applications.

You may receive a video call link via email from Bank AL Habib for further details/verification in accordance with the regulations of the State Bank of Pakistan. Bank AL Habib will never call from (+92 21) 111-014-014 or any other number asking for your personal information, internet/mobile banking User ID, Password, Debit/Credit Card number, PIN, OTP or CVV.

Yes, a customer must accept Terms & Conditions before proceeding further with the application.

Yes, you may review the key fact sheet for Conventional & Islamic banking products by clicking here.

Individual Current and Savings account are offered in single and joint category.

The product is specially designed for beneficiaries of home remittances.

Yes, the account is also available in Islamic Banking variant.

Yes, Minimum Balance requirement of PKR 5,000 is applicable to avail exciting features and waivers on account.

No, customer may open only one AL Habib Remit Account.

Yes, minor may open AL Habib Remit Account with a resident guardian.

To open AL Habib Remit Account, visit your nearest branch or visit BAHL website (www.bankalhabib.com) to apply digitally.

The turnaround time (TAT) for account opening is three working days subject to the completion of required documents.

Yes, monthly profit will be paid on AL Habib Remit Savings Account and calculated on monthly average balance

Rate of Return on PLS Savings Account rate.

Upto 90% financing against deposit is available.

The account is offered in PKR currency only.

Zakat & taxes are applicable as per government regulations and directives of SBP.

Yes. Internet Banking is available.

The customer will have to visit BAHL official website (www.bankalhabib.com) and will self-register on the internet banking portal to avail iBanking services.

Minimum Eligibility Age:

The minimum eligibility age under this policy shall be 18 years.

Maximum Eligibility Age:

The maximum eligibility age under this shall be 60 years.

Insurance Coverage:

New accounts eligible after 30 days of account opening.

Yes, you may review the Key Fact Sheet for AL Habib Remit Digital Account by clicking here.

KFS for AL Habib Remit Digital Current Account
KFS for AL Habib Remit Digital Savings Account

Yes, the account is also available in Islamic Banking variant.

Yes, customer may open more than one AL Habib Woman Account.

Individual Current and Savings account are offered in single category.

To open AL Habib Woman Account, you may visit your nearest branch or apply via AL Habib Digital Account Opening

The turn around time (TAT) for account opening is three working days subject to the completion of required documents.

Yes, monthly profit will be paid on AL Habib Woman Savings Account and profit will be calculate on monthly average balance

Yes, AL Habib Netbanking is available.

The customer will have to visit Bank AL Habib official website (www.bankalhabib.com) and will self-register on the internet banking portal to avail AL Habib Mobile and Netbanking services.

Upto 90% of the financing is be available on deposit.

The account is offered in PKR only.

Zakat & taxes are applicable as per government regulations and directives of SBP.

Accounts can be opened in individual single & joint account categories. In case of joint account, primary account holder must be woman, whereas, secondary may be men.

All new to bank or existing customers can open AL Habib Woman Account however, if customer is having any existing Regular Account or Asaan Account, she is not allowed to open AL Habib Asaan Woman Account.

Yes, they both are available in Current and Saving Account types

18 years and more Resident Pakistani Nationals are eligible to open the AL Habib Woman Digital Account and AL Habib Asaan Woman Digital Account.

You must complete the biometric verification process as soon as your account has been opened. You can do this via the AL Habib Biometric Verification app or by visiting the nearest Bank AL Habib branch.

You can complete the account opening process from the comfort of your home. Even biometric verification can be completed via the AL Habib Biometric Verification app. However, if you wish to visit the branch, you may do so.

Yes, you may resume the application process through “Resume Application”. After this, you will be required to input your reference number, Email Address and Mobile OTAC Verification code.

You may call us at our dedicated helpline – (92 21) 111- 014 – 014 or email us at info-CDOB@bankalhabib.com

Yes you may modify your account details through the “Account Maintenance” option.

Customers may avail the below mentioned Debit Card products (Subject to Terms and Conditions)

Yes, opening AL Habib Woman Digital Account with existing branch account is allowed.

Account Opening - Documents Required

Yes, you may review the Key Fact Sheet for AL Habib Woman Account by clicking here.

KFS for AL Habib Woman Current Account

KFS for AL Habib Woman Saving Account

Individual Current and Savings account are offered in single and joint category. In case of joint account, primary account holder must be woman, whereas, secondary may be men.

To open AL Habib Woman Asaan Account, you may visit your nearest branch or apply via AL Habib Digital Account Opening

AL Habib Woman Asaan Account is for women above 18 years.

Yes, this product is available for both Islamic & Conventional Banking variants.

No, opening AL Habib Woman Asaan Accounts of regular/asaan account holders is not allowed.

The turn around time (TAT) for account opening is three working days subject to the completion of required documents.

Yes, AL Habib Netbanking is available.

The customer will have to visit Bank AL Habib official website (www.bankalhabib.com) and will self-register on the internet banking portal to avail AL Habib Mobile and Netbanking services.

The account is offered in PKR only.

Zakat & taxes are applicable as per government regulations and directives of SBP.

Copy of valid CNIC / SNIC / NICOP

Accounts can be opened in individual single & joint account categories. In case of joint account, primary account holder must be woman, whereas, secondary may be men.

All new to bank or existing customers can open AL Habib Woman Account however, if customer is having any existing Regular Account or Asaan Account, she is not allowed to open AL Habib Asaan Woman Account.

Yes, they both are available in Current and Saving Account types

18 years and more Resident Pakistani Nationals are eligible to open the AL Habib Woman Digital Account and AL Habib Asaan Woman Digital Account.

You must complete the biometric verification process as soon as your account has been opened. You can do this via the AL Habib Biometric Verification app or by visiting the nearest Bank AL Habib branch.

You can complete the account opening process from the comfort of your home. Even biometric verification can be completed via the AL Habib Biometric Verification app. However, if you wish to visit the branch, you may do so.

Yes, you may resume the application process through “Resume Application”. After this, you will be required to input your reference number, Email Address and Mobile OTAC Verification code.

You may call us at our dedicated helpline – (92 21) 111- 014 – 014 or email us at info-CDOB@bankalhabib.com

Yes you may modify your account details through the “Account Maintenance” option.

Customers may avail the below mentioned Debit Card products (Subject to Terms and Conditions)

Yes, opening AL Habib Woman Digital Account with existing branch account is allowed.

Account Opening - Documents Required

Yes, you may review the Key Fact Sheet for AL Habib Woman Asaan Account by clicking here.

KFS for AL Habib Woman Asaan Current Account

KFS for AL Habib Woman Asaan Saving Account

AL Habib Freelancer Account can be opened by visiting Conventional and Islamic Banking branches of BAHL or digitally by visiting our website www.Bankalhabib.com.

The customer does not need to visit any branch, and he/she can open Digital Account from their Mobile Phone or Computer via internet.

Maximum turn-around time (TAT) for decision to open and activate or decline is 2 working days from the time the required documents/ information have been submitted/ uploaded and verification completed.

Individual Current and Savings accounts are offered in single and joint category.

Yes, the account is also available in Islamic Banking variant.

You can receive your remittances and work payments into your PKR Freelancer Account.

Exchange rates are dynamic and new conversion rates are announced daily by the Bank for inward foreign remittance.

Cash withdrawal shall only be done in PKR. FCY cash withdrawal from these accounts shall not be allowed in this account.

Debit card will only be issued for PKR account. Debit cards can be used to withdraw cash from ATMs countrywide via 1Link and MNET Networks, POS, online purchases, etc.

No, Funds available in AL Habib AL Habib Freelancer Account shall be treated as non-repatriable and can only be used for making payments/withdrawals etc. in Pakistan only.

Yes, local credits are allowed in this account.

Yes, customer may opt for more than one account at a time.

AL Habib Freelance Account is available in PKR only. However, a linked exporter special foreign currency account in FCY is being offered in USD, GBP and EUR currencies.

Yes, if customer is already having a relationship with Bank AL Habib i.e., AL Habib Asaan Account, AL Habib Asaan Remittance Account or AL Habib Woman Asaan.

Yes, minor may open AL Habib Freelancer Account with a resident guardian.

Yes, monthly profit will be paid on AL Habib Freelancer Savings Account and calculated on monthly average balance.

Upto 90% financing against deposit is available.

Zakat & taxes are applicable as per government regulations and directives of SBP.

Yes. Internet Banking is available.

Once your account is biometrically verified, your cheque book and/or debit card will be sent to your preferred posted address. In case if the courier is failed to deliver the same at your doorstep, you will be intimated from your preferred branch for the collection of your cheque book and debit card.

The customer will have to visit BAHL official website (www.bankalhabib.com) and will self-register on the internet banking portal to avail iBanking services.

No, there is no maximum or minimum balance limit on AL Habib Freelancer Account. However, you are allowed to retain USD 5,000/- per month or 50% of the export proceeds, whichever is higher, in ESFCAs.

ESFCA means Exporter’s Special Foreign Currency Account; this is a linked account and will be opened by the bank upon opening of AL Habib Freelancer Account. It is a retention account that can be requested to be opened in three type of foreign currencies USD, GBP & EUR. Furthermore, up to 50% of the export’s proceeds can be credited into ESFCA for retention of USD or making business payments abroad. Permissible amount shall be retained in ESFCAs, unless an exporter specifically requests in writing to the Bank for less/ not crediting the export proceeds in the ESFCA.

The funds available in the ESFCAs can be converted into PKR at any time upon the request of the customer.

Yes, ESFCA account linked with AL Habib Freelancer Account may be utilized for making all personal and own work-related payment for example, digital services, digital marketing, membership/ subscription fees, acquiring certification, study etc.
ESFCA account linked with IT Exporters, account may be utilized for making all types of payment for example imports, acquisition of services from abroad, profit/ dividend repatriation against registered shares etc.

Yes, you may review the key fact sheet for Conventional banking products by clicking here.